Shopping Safely Advice

Millions of people buy online every day without any problems. You can avoid problems with buying online by following the shopping safety advice below:

lightbulb Keep your PC protected by ensuring your computer is equipped with the latest operating system, browser and up-to-date anti-virus software.

lightbulb Look for the padlock symbol - especially if you're buying from a website for the first time. It's a good indication that they are reputable.

lightbulb Register your cards with Verified by Visa or Mastercard SecureCode when prompted. It is quick and easy and makes shopping online even safer.

lightbulb Register your Voice Signature to enable you to safely purchase with a mobile device and prevent identity fraud.

lightbulb Always log out after shopping online and save the transaction and order confirmation emails as a record of your order.

In addition to these security tips, you can make sure that buying online is stress-free by doing the following:

  • Only deal with reputable sellers - use sites you can trust. For example, sites you know or ones that have been recommended to you. Be particularly wary when buying from overseas. Be prepared to ask questions before buying.
  • Be sure you know who you are dealing with - always access the website you are planning to buy from by typing the address into your web browser. Never go to a website from a link in an unsolicited email and then enter your personal details or PIN.
  • Trust your instincts - if an offer looks too good to believe then there is usually a catch. Be suspicious of prices that are too good to be true.
  • Check delivery timescales and keep records - print out your order and keep copies of the retailer's terms and conditions, returns policy, delivery conditions, postal address (not a post office box) and phone number (not a mobile number). Having this information will help if you subsequently encounter difficulties with your order.
  • Section 75 protection - if you are buying something between £100 and £30,000 consider using a credit card, as you will then have extra protection through Section 75 of the Consumer Credit Act - for transactions in the UK and abroad. This states that should a problem subsequently arise, such as the company going out of business, you can claim your money back from your credit card company.
  • Keep receipts and check these against your statement - if you spot a transaction you did not authorise speak to your card company immediately. If you are the innocent victim of any type of card fraud you will not suffer any financial loss.

For more information about how to shop safely online visit: Get Safe Online, CardWatch.org, or Bank Safe Online.

Source: The UK Cards Association